7528 Bent Tree Loop, FL7528 Bent Tree Loop, FL7528 Bent Tree Loop, FL
Stellar MLS
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$344,900

7528 Bent Tree LoopSt Cloud, FL 34773

Listing updated: October 19, 2026 at 8:26 PM ET

Active
Stellar MLSListing courtesy of Adams Homes Realty, Inc · Jannette Rodriguez · MLS #O6372876 · Active · 850-469-0977
3
Beds
2
Baths
1,780
Sq Ft
0.14
Acres
2026
Built
◆New construction◆$194/sqft◆360° tour
Single Family Residence

Property type

2026

Year built

6,098 sqft

Lot size

$194

Price / sq ft

$76/mo

HOA dues

280

Days on market

2

Garage spaces

X500

Flood zone

About this home

**LIMITED-TIME PROMOTION: FREE WASHER, DRYER AND REFRIGERATOR - RECEIVED AFTER CLOSING!** PRICE REDUCED $71,000; reduction already reflected in the advertised price. Imagine coming home, stepping onto the covered lanai and looking out over a peaceful green conservation area instead of directly into another backyard. 7528 Bent Tree Loop combines that added privacy with the comfort and savings of brand-new construction. Now offered at $344,900, this move-in-ready Adams Home features conservation view, no rear neighbors and flexible dining/office space. This 3-bedroom, 2-bath 1780B plan provides efficient single-story living, a private primary suite and two additional bedrooms that can support guests, remote work or hobbies. The open-concept living area connects naturally to the kitchen, where granite countertops, Whirlpool stainless-steel appliances, generous cabinetry and a large center island create an inviting place for meals and entertaining. The private primary suite provides a comfortable retreat, while the covered lanai extends the living space outdoors. Harmony Central has NO CDD. Compared with the highest published FY2026 annual CDD assessment of approximately $2,401.90 in certain nearby competing new-home communities, that represents savings of approximately $200 monthly—or approximately $48,038 over 20 years if the assessment remained unchanged. This comparison uses published FY2026 assessments for certain nearby properties; assessments vary by property and may change annually. The 20-year amount is a simple illustration assuming unchanged annual assessments, not guaranteed future savings. HOA fees and other property taxes are separate. Community amenities include a pool with cabanas and a dog park. $15,000 Flex Cash may be used toward eligible purchase expenses or an interest-rate buydown, subject to builder, lender and loan-program terms. New contract must be executed by October 31, 2026, with no contingencies and a 30-day closing in November 2026. Builder-paid closing costs, excluding prepaids, require a preferred lender. A $1,000 contract deposit reserves the home; additional funds may be required at closing. For contracts executed by October 31, 2026, receive a 1% Buyer Credit when working with Acrisure, one of the builder's preferred lenders, subject to eligibility and lender terms. Ask the onsite sales team for complete incentive terms and availability. Schedule your private tour and picture the everyday moments that could begin here.

Estimated monthly payment

Principal & interest$1,744
Property taxes$69
Home insurance (est.)$158
HOA dues$76

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history280 days on market

  1. Status: Active
    Jan 12, 2026
  2. Listed$387,900
    Jan 12, 2026
  3. Price reduced$344,900

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
280
Subdivision
Harmony Central Ph 2
County
Osceola
Year built
2026
Living area
1,780 sq ft
Price/sq ft
$194
Building area
2,122 sq ft (Builder)
Lot size
6,098 sq ft
Lot category
0 to less than 1/4
Flood zone
X500 (12097C0295G)
Garage
2 spaces
Annual taxes
$831 (2025)
Parcel #
32-26-32-3666-000O-0040
Zoning
X500
MLS #
O6372876

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Carpet, Tile
Appliances
Dishwasher, Microwave, Range
Interior features
Ceiling Fans(s), High Ceilings, Open Floorplan, Pest Guard System, Stone Counters, Thermostat, Walk-In Closet(s)
Laundry
Laundry Room
Stories / Levels
One
Direction faces
East
New construction
Yes

Heating & Cooling

Heating
Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes

HOA & Financial

HOA fee
$908 / Annually
Monthly HOA
$76/mo
Total monthly fees
$76/mo
Total annual fees
$908
HOA name
Artemis Life Style
CDD
No
Min lease term
7 Months
Listing terms
Cash, Conventional, FHA, USDA Loan, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No
Additional lease restrictions
Call HOA directly
Approval process
Call HOA directly

Exterior & Construction

Exterior features
Sidewalk
Construction materials
Block
Roof
Shingle
Foundation
Slab
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Electricity Connected, Water Connected

Community

Pets allowed
Cats OK, Dogs OK, Yes

Schools

ElementaryHarmony Community School (K-5)GreatSchools ↗
MiddleAHarmony MiddleGreatSchools ↗
High SchoolAHarmony HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Kitchen
Primary Bedroom
Bedroom 2
Bedroom 3
Living Room

Listing Details

Listing date
2026-01-10
On market date
2026-01-12
Original list price
$387,900
Occupant type
Vacant
MLS area
34773 - St Cloud (Harmony)
Listing AOR
Orlando Regional
Status changed
2026-01-12
Tax legal description
HARMONY CENTRAL PH 2 PB 35 PGS 139-144 BLK O LOT 4

Flood risk

Moderate riskFEMA Zone X500Panel 12097C0295G

Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From Narcoossee Rd take 192 East for 8 miles towards Melbourne, continue past Harmony High-school and Harmony Main, Harmony Central will be located on your left.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of October 19, 2026 at 8:26 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA